Add your spouse as an authorized user on one of your credit or store card accounts. “Piggybacking,” as it’s called, won’t hurt you, and could help improve his score—as long as you both behave responsibly.

Have your spouse sign up for a secured card, to build better credit.

Help him pay off his debt. You’re a team now, and the sooner he’s out of the red, the better off you’ll both be..